Usually, housewives who do not have a clear job and do not have a certain income are likely to be shunned by the financial sector. But housewives like this always come when they need an unexpected sum of money in an urgent situations. Today, I would like to introduce Woori Bank's credit loan products that housewives can receive. Even if you don't have any income, it's not difficult to approve if you have a credit card usage history, so let's now learn about the terms of our home master theory.
1. Woori Bank's Housewife Loan Products
Our Home Master Loan is the representative housewife loan product of Woori Bank. It's a product that can be handled in terms of transaction performance, but it belongs to a credit loan because there are no products that have to be put out as collateral, such as real estate or cars. You don't need proof of income, and you can apply if you are a main customer of Woori Bank.
2. Credit card transaction performance
This product is approved based on the credit card transaction performance. It is based on the credit card performance used for the past year. Not only Woori Card but also third-party cards are available, but in the case of credit card holder loans, products that were not seen much in the first financial sector, or recently launched by Woori Bank.
1. Credit card usage performance
Among the qualifications of our home master, 비대면 폰테크 we need to fill in the credit card usage performance, and that period is one year. It must be a credit card under your name and if you don't have a credit card, it will be excluded from the requirements.
2. Woori Bank's main transaction
In addition to credit card usage performance, we need to meet Woori Bank's main transaction requirements. We need to have at least 3 automatic transfer performances such as one apartment management fee, telecommunication fee, and utility bill. If it is an automatic transfer performance connected to our card, it does not apply to the main transaction requirement. However, even if the main transaction requirements are met, the loan may be rejected according to the individual's creditworthiness or our screening criteria.
1. Our Home Master Loan Interest Rate
Then, let's look at the first condition of our home master theory, the interest rate. Interest rates are applied as a result of removing preferential interest rates after adding additional interest rates to the base rate, which is applied to the KORIBOR rate for three months, and the additional rate varies depending on the user's income, credit, loan amount and transaction performance.
2. Our Home Master Loan Preferential Interest Rate
The preferential rate is applied up to 0.5%p per year, and there are conditions below.
- If you use our credit card for more than 500,000 won per month for 3 months: 0.1%p per year
(However, it shall be withdrawn from the payment account of Woori Bank under his/her name and cannot be recognized in case of overdue payment.)
- When automatic transfer of tax charge or administrative expenses is made every month: 0.1%p
(Only automatic transfer performance must be confirmed in the Woori Bank account under your name.)
- When handling non-face-to-face: 0.2%p per year
3. Our Home Master's Limit
The limit of our home master theory can be from at least 3 million won and up to 10 million won can be used.
4. Loan term and repayment method
The loan period is one year, but it can be extended for up to five years through screening, and you can also choose to repay the principal on the maturity date after paying only interest during the loan period.
Housewives with no income and no clear jobs were likely to be shunned by the financial sector. In fact, it was because they were dismissed as unemployed, and we should be careful of illegal loan counselors who approach them by using these weaknesses to lend to housewives.
Also, if you look at the terms of our home master theory, you can see that the interest rate itself is a very good condition because it is applied at a low interest rate, but the important thing is credit rating management. It is important to manage credit ratings, cell phone bills, and pay various utility bills faithfully as the presence of overdue payments also affects our home master theory screening criteria.
So today, we're going to talk about the conditions of our home master theory. We also looked at qualifications and precautions, and above all, it is recommended that you have the right financial habits as the credit card usage performance and credit rating that you faithfully repaid are important.